YieldCompare · head to head
Gemini vs StakeWise (osETH)
Asset-by-asset comparison of rates and risk profiles
Short answer
Gemini is the safer of the two: it passes 4 of our five public safety checks, while StakeWise (osETH) passes 3.
On rates, the highest advertised APY is 4.0 % at Gemini and 3.34 % at StakeWise (osETH). Base rates only, no promo tiers.
Gemini
Safety grade B
5 checks ✓ ✓ ✓ ✗ ✓
USDT —
BTC —
ETH 2.0 %
Top product SOL · 4.0 %
Products tracked 2
Coins tracked 2
Jurisdiction USA (New York Trust Company, NYDFS)
Founded 2014
Min deposit $1
Open Gemini → 
StakeWise (osETH)
Safety grade C
5 checks ✗ ✓ ✓ ✓ ✗
USDT —
BTC —
ETH 3.34 %
Top product ETH · 3.34 %
Products tracked 1
Coins tracked 1
Jurisdiction Decentralized
Founded 2023
Min deposit $0
Open StakeWise (osETH) → Safety — check by check
| Check | B Gemini | C StakeWise (osETH) |
|---|---|---|
| Regulation | ✓ | ✗ |
| Proof-of-Reserves | ✓ | ✓ |
| Flexible withdrawal | ✓ | ✓ |
| Insurance Fund | ✗ | ✓ |
| Track record (2+ years incident-free) | ✓ | ✗ |
| Score | 4/5 · B | 3/5 · C |
The five public criteria behind each platform's grade. Each ✓ is one point — more points, safer grade. A highlighted ✓ is where one platform wins the criterion outright.